ANNISTON - OXFORD Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Anniston - Oxford averaged 7.13% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 7.06% and one month ago for the week of 2025-05-15, the average rate was 6.93%.

Anniston - Oxford's average rate one year ago was 6.87%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.21%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Anniston - Oxford 30 Year Fixed Rate 2025-06-18 7.13%
Anniston - Oxford 30 Year Fixed Rate Refi 2025-06-18 7.21%
Anniston - Oxford 15 Year Fixed Rate 2025-06-18 6.06%
Anniston - Oxford 15 Year Fixed Rate Refi 2025-06-18 6.16%
Anniston - Oxford 30 Year FHA 2025-06-18 0.11%
Anniston - Oxford 30 Year FHA Refi 2025-06-18 0.1%
Anniston - Oxford 30 Year USDA 2025-06-18 -0.29%
Anniston - Oxford 30 Year USDA Refi 2025-06-18 0.2%
Anniston - Oxford 30 Year VA 2025-06-18 0.35%
Anniston - Oxford 30 Year VA Refi 2025-06-18 -0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ANNISTON-OXFORD, AL.

ANNISTON - OXFORD Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ANNISTON-OXFORD, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 55 6.80% $5,983
UNITED WHOLESALE MORTGAGE, LLC 39 6.69% $5,759
Ameris Bank 38 6.48% $5,542
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 18 7.12% $3,872
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 15 7.22% $5,019
AOD Federal Credit Union 15 7.40% $3,508
SouthPoint Bank 15 6.63% $5,472
FIRST COMMUNITY MORTGAGE, INC. 11 6.56% $4,639
SUCCESS MORTGAGE PARTNERS, INC. 9 6.72% $5,100
ALABAMA TEACHERS 8 7.03% $3,208
Regions Bank 8 6.58% $4,566
VANDERBILT MORTGAGE AND FINANCE, INC. 8 6.97% $4,907
STOCKTON MORTGAGE CORPORATION 7 7.09% $5,327
U.S. Bank 7 6.48% $4,955
ACOPIA, LLC 7 6.34% $5,349
JPMorgan Chase Bank 5 6.67% $3,565
HONDA Federal Credit Union 5 6.60% $2,867
Truist 5 7.12% $4,540
Mr. Cooper ( Nationstar Mortgage ) 5 6.45% $6,709
NAVY FEDERAL CREDIT UNION 4 7.06% $2,464
FirstBank 4 7.13% $4,375
First Federal Bank, A FSB 4 6.38% $5,945
PENNYMAC LOAN SERVICES, LLC 4 7.12% $5,391
PNC Bank 4 6.28% $3,943
HUNT MORTGAGE CORPORATION 4 6.66% $2,948
Wells Fargo Bank 4 6.66% $5,655
GUILD MORTGAGE COMPANY 3 6.91% $6,748
USAA Federal Savings Bank 3 6.71% $4,651
Consumer First Mortgage, Inc. 3 6.88% $4,025
Bank of America 3 6.71% $4,056
MOVEMENT MORTGAGE, LLC 3 6.46% $4,123
Plains Commerce Bank 3 6.79% $3,000
AMERICA'S FIRST 3 6.58% $4,363
TOWNE MORTGAGE COMPANY 3 7.41% $5,692
Renasant Bank 2 6.81% $7,266
MORIA DEVELOPMENT, INC. 2 7.50% $4,347
NEWREZ LLC 2 6.25% $10,004
21ST MORTGAGE CORPORATION 2 7.90% $6,981
Flagstar Bank, FSB 2 6.94% $3,096
MORTGAGE INVESTORS GROUP, INC. 2 7.31% $4,556
THE MORTGAGE FIRM, INC. 2 7.12% $6,746
LOANDEPOT.COM, LLC 2 6.56% $5,075
Trustmark National Bank 2 7.38% $4,672
UNION HOME MORTGAGE CORP. 2 6.63% $4,962
AlaTrust Credit Union 2 6.75% $3,044
AMERISAVE MORTGAGE CORPORATION 2 7.38% $5,629
BAYSHORE MORTGAGE FUNDING, LLC 2 7.50% $4,279
DIRECT LENDERS, LLC 2 6.69% $3,132
A&D Mortgage LLC 2 8.74% $14,275
ZILLOW HOME LOANS, LLC 1 7.63% $3,558
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.63% $4,468
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.99% $4,980
CARDINAL FINANCIAL 1 6.38% $1,447
Charles Schwab Bank, SSB 1 7.13% $2,090
CROSSCOUNTRY MORTGAGE, LLC 1 6.63% $5,687
DELTA COMMUNITY CREDIT UNION 1 5.38% $4,136
Directions Credit Union, Inc. 1 6.88% $2,319
Fifth Third Bank 1 8.13% $4,800
First Bank 1 6.63% $3,441
First National Bank of America 1 10.50% $8,029
FOUNDERS FEDERAL CREDIT UNION 1 6.50% $3,976
FREEDOM MORTGAGE CORPORATION 1 6.88% $10,328
GMFS LLC 1 6.63% $4,785
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.88% $2,139
GUARANTEED RATE, INC. 1 6.99% $4,006
HOMESIDE FINANCIAL, LLC 1 6.88% $4,257
INTERCAP LENDING INC. 1 6.99% $5,453
Liberty Mortgage Corporation 1 7.00% $3,172
Magnolia Bank 1 6.99% $4,100
MEMBER FIRST MORTGAGE, LLC 1 6.50% $5,331
Metro City Bank 1 7.25% $3,922
NexBank 1 7.25% $4,783
NJ LENDERS CORP. 1 6.63% $5,409
Northpointe Bank 1 6.63% $4,500
OCMBC, INC. 1 8.00% $12,386
Old National Bank 1 6.63% $3,655
PHH Mortgage Corporation 1 7.49% $5,420
Quontic Bank 1 8.63% $8,106
REDSTONE Federal Credit Union 1 6.63% $2,625
Republic State Mortgage Co. 1 6.88% $3,529
ROYAL UNITED MORTGAGE LLC 1 7.63% $6,766
SECURITYNATIONAL MORTGAGE COMPANY 1 7.13% $4,017
The Huntington National Bank 1 7.50% $3,413
The Loan Store, Inc. 1 6.50% $3,763
Valley National Bank 1 8.50% $9,080
VAN DYK MORTGAGE CORPORATION 1 6.99% $3,432
Waterstone Mortgage Corporation 1 7.50% $6,477

ANNISTON - OXFORD Average Closing Costs & Other Stats

ANNISTON-OXFORD, AL's 87 lenders originated 1,910 loans during 2024. The total origination value was $313,980,000, with an average loan value of $164,387.

ANNISTON - OXFORD's average closing costs are $4,899.

The top ANNISTON - OXFORD lender as defined by loan originations is QUICKEN LOANS, LLC, with 55 loans originated. Their average total fees are $5,983, which is $224 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee ANNISTON - OXFORD lenders (with over 10 loans originated) are AOD Federal Credit Union ($3,508), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,872), FIRST COMMUNITY MORTGAGE, INC. ($4,639), ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($5,019) and SouthPoint Bank ($5,472).

The lowest rate ANNISTON - OXFORD lenders (with over 10 loans originated) are Ameris Bank (6.48%), FIRST COMMUNITY MORTGAGE, INC. (6.56%), SouthPoint Bank (6.63%), UNITED WHOLESALE MORTGAGE, LLC (6.69%) and QUICKEN LOANS, LLC (6.80%).

ANNISTON-OXFORD, AL Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Ameris Bank $16,455,000 $25,025,000 52.1% 8.0%
QUICKEN LOANS, LLC $20,485,000 $23,595,000 15.2% 7.5%
UNITED WHOLESALE MORTGAGE, LLC $15,300,000 $21,885,000 43.0% 7.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $25,530,000 $13,210,000 -48.3% 4.2%
Community Bank of Mississippi $105,000 $11,720,000 11,061.9% 3.7%
Regions Bank $9,115,000 $11,135,000 22.2% 3.5%
VANDERBILT MORTGAGE AND FINANCE, INC. $10,780,000 $10,720,000 -0.6% 3.4%
Mortgage Research Center, LLC $11,435,000 $9,800,000 -14.3% 3.1%
SouthPoint Bank $9,655,000 $9,420,000 -2.4% 3.0%
SUCCESS MORTGAGE PARTNERS, INC. $6,060,000 $7,445,000 22.9% 2.4%
ACOPIA, LLC $2,605,000 $5,695,000 118.6% 1.8%
TOWNE MORTGAGE COMPANY $5,555,000 n/a 1.8%
FREEDOM MORTGAGE CORPORATION $2,965,000 $5,525,000 86.3% 1.8%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $5,160,000 $5,330,000 3.3% 1.7%
PENNYMAC LOAN SERVICES, LLC $1,485,000 $5,100,000 243.4% 1.6%
ALABAMA TEACHERS $4,875,000 $4,620,000 -5.2% 1.5%
Farmers & Merchants Bank $3,075,000 $4,270,000 38.9% 1.4%
First Federal Bank, A FSB $2,470,000 $4,105,000 66.2% 1.3%
SOUTHWEST FUNDING, LP $4,065,000 n/a 1.3%
STOCKTON MORTGAGE CORPORATION $365,000 $4,045,000 1,008.2% 1.3%
FIRST COMMUNITY MORTGAGE, INC. $4,510,000 $4,030,000 -10.6% 1.3%
GUILD MORTGAGE COMPANY $6,450,000 $3,855,000 -40.2% 1.2%
First Bank of Alabama $3,145,000 $3,800,000 20.8% 1.2%
NobleBank & Trust $4,060,000 $3,780,000 -6.9% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $2,590,000 $3,615,000 39.6% 1.2%
21ST MORTGAGE CORPORATION $3,005,000 $3,045,000 1.3% 1.0%
NAVY FEDERAL CREDIT UNION $1,200,000 $2,990,000 149.2% 1.0%
NEWREZ LLC $855,000 $2,955,000 245.6% 0.9%
Metro Bank $2,460,000 $2,895,000 17.7% 0.9%
Truist $2,650,000 $2,860,000 7.9% 0.9%
AOD Federal Credit Union $4,300,000 $2,805,000 -34.8% 0.9%
NEW DAY FINANCIAL, LLC $1,935,000 $2,580,000 33.3% 0.8%
Renasant Bank $2,135,000 $2,475,000 15.9% 0.8%
HUNT MORTGAGE CORPORATION $3,260,000 $2,415,000 -25.9% 0.8%
U.S. Bank $645,000 $2,260,000 250.4% 0.7%
AlaTrust Credit Union $1,540,000 $2,100,000 36.4% 0.7%
LOANDEPOT.COM, LLC $2,635,000 $2,015,000 -23.5% 0.6%
AMERICA'S FIRST $3,515,000 $1,960,000 -44.2% 0.6%
LAKEVIEW LOAN SERVICING, LLC $320,000 $1,705,000 432.8% 0.5%
AMERISAVE MORTGAGE CORPORATION $1,830,000 $1,600,000 -12.6% 0.5%
MORTGAGE INVESTORS GROUP, INC. $3,495,000 $1,585,000 -54.6% 0.5%
FirstBank $510,000 $1,580,000 209.8% 0.5%
PNC Bank $2,745,000 $1,500,000 -45.4% 0.5%
Wells Fargo Bank $2,120,000 $1,330,000 -37.3% 0.4%
TRIAD FINANCIAL SERVICES, INC. $1,235,000 $1,315,000 6.5% 0.4%
Investar Bank $2,045,000 $1,310,000 -35.9% 0.4%
First South Farm Credit, ACA $1,290,000 n/a 0.4%
Equity Prime Mortgage LLC $1,230,000 $1,265,000 2.8% 0.4%
HONDA Federal Credit Union $960,000 $1,250,000 30.2% 0.4%
USAA Federal Savings Bank $1,495,000 $1,245,000 -16.7% 0.4%
CANOPY MORTGAGE, LLC $95,000 $1,220,000 1,184.2% 0.4%
MOVEMENT MORTGAGE, LLC $1,450,000 $1,135,000 -21.7% 0.4%
Plains Commerce Bank $1,015,000 $1,070,000 5.4% 0.3%
BROKER SOLUTIONS, INC. $1,760,000 $1,035,000 -41.2% 0.3%
VILLAGE CAPITAL MORTGAGE $300,000 $1,035,000 245.0% 0.3%
BAYSHORE MORTGAGE FUNDING, LLC $200,000 $950,000 375.0% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $500,000 $940,000 88.0% 0.3%
UNION HOME MORTGAGE CORP. $940,000 n/a 0.3%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $320,000 $930,000 190.6% 0.3%
Bank of America $380,000 $875,000 130.3% 0.3%
THE MORTGAGE FIRM, INC. $135,000 $870,000 544.4% 0.3%
FAMILY SAVINGS $500,000 $860,000 72.0% 0.3%
AmeriHome Mortgage Company, LLC $825,000 n/a 0.3%
Magnolia Bank $825,000 n/a 0.3%
Consumer First Mortgage, Inc. $125,000 $815,000 552.0% 0.3%
Figure Lending LLC $240,000 $785,000 227.1% 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $205,000 $740,000 261.0% 0.2%
Discover Bank $585,000 $730,000 24.8% 0.2%
The Federal Savings Bank $1,025,000 $715,000 -30.2% 0.2%
GUARANTEED RATE, INC. $335,000 $710,000 111.9% 0.2%
PLANET HOME LENDING, LLC $695,000 n/a 0.2%
JPMorgan Chase Bank $775,000 $675,000 -12.9% 0.2%
A&D Mortgage LLC $650,000 n/a 0.2%
GMFS LLC $610,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $865,000 $580,000 -32.9% 0.2%
SOUTHPOINT FINANCIAL SERVICES, INC. $580,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $420,000 $575,000 36.9% 0.2%
PHH Mortgage Corporation $555,000 n/a 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $495,000 n/a 0.2%
Hamilton Mortgage Corporation $205,000 $490,000 139.0% 0.2%
CSL Financial, LLC $220,000 $480,000 118.2% 0.2%
Carrington Mortgage Services, LLC $435,000 $455,000 4.6% 0.1%
The Loan Store, Inc. $270,000 $445,000 64.8% 0.1%
RELIANCE FIRST CAPITAL, LLC $440,000 n/a 0.1%
M&T Bank $75,000 $435,000 480.0% 0.1%
CMG MORTGAGE, INC. $2,180,000 $430,000 -80.3% 0.1%
First Federal Bank $225,000 $425,000 88.9% 0.1%
INTERCAP LENDING INC. $145,000 $425,000 193.1% 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $125,000 $415,000 232.0% 0.1%
Old National Bank $415,000 n/a 0.1%
AVADIAN $400,000 $410,000 2.5% 0.1%
REDSTONE Federal Credit Union $175,000 $395,000 125.7% 0.1%
Valley National Bank $155,000 $385,000 148.4% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $240,000 $380,000 58.3% 0.1%
CARDINAL FINANCIAL $245,000 $370,000 51.0% 0.1%
MORIA DEVELOPMENT, INC. $370,000 n/a 0.1%
Trustmark National Bank $1,150,000 $370,000 -67.8% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $135,000 $365,000 170.4% 0.1%
MID AMERICA MORTGAGE, INC. $355,000 $330,000 -7.0% 0.1%
Paramount Residential Mortgage Group, Inc. $330,000 n/a 0.1%
Southern States Bank $125,000 $320,000 156.0% 0.1%
Liberty Mortgage Corporation $195,000 $315,000 61.5% 0.1%
LEADERONE FINANCIAL CORPORATION $195,000 $310,000 59.0% 0.1%
Synovus Bank $310,000 $305,000 -1.6% 0.1%
EVERETT FINANCIAL, INC. $450,000 $300,000 -33.3% 0.1%
Flagstar Bank, FSB $710,000 $300,000 -57.7% 0.1%
DIRECT LENDERS, LLC $290,000 n/a 0.1%
United Community Bank $45,000 $285,000 533.3% 0.1%
ZILLOW HOME LOANS, LLC $580,000 $285,000 -50.9% 0.1%
Coastal Community Bank $45,000 $280,000 522.2% 0.1%
ROYAL UNITED MORTGAGE LLC $690,000 $280,000 -59.4% 0.1%
HOMESIDE FINANCIAL, LLC $275,000 n/a 0.1%
Peoples Independent Bank $270,000 n/a 0.1%
ALLIED MORTGAGE GROUP, INC. $265,000 n/a 0.1%
ARC HOME LLC $255,000 n/a 0.1%
River Bank & Trust $1,810,000 $255,000 -85.9% 0.1%
OCMBC, INC. $245,000 n/a 0.1%
Hometown Equity Mortgage, LLC $230,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $435,000 $225,000 -48.3% 0.1%
MICHIGAN MUTUAL, INC. $225,000 n/a 0.1%
Assurance Financial Group, L.L.C. $830,000 $215,000 -74.1% 0.1%
Bank of England $215,000 n/a 0.1%
Mortgage Assurance Inc. $215,000 n/a 0.1%
Prosperity Home Mortgage, LLC $545,000 $215,000 -60.6% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $210,000 n/a 0.1%
Credence Funding Corporation $205,000 n/a 0.1%
MILEND, INC. $405,000 $205,000 -49.4% 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $205,000 n/a 0.1%
NexBank $205,000 n/a 0.1%
SPRING EQ, LLC $205,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $195,000 n/a 0.1%
First Bank $195,000 n/a 0.1%
First National Bank of America $180,000 $195,000 8.3% 0.1%
Tyndall Federal Credit Union $460,000 $195,000 -57.6% 0.1%
LENDINGHOME FUNDING CORPORATION $160,000 $190,000 18.8% 0.1%
Republic State Mortgage Co. $185,000 n/a 0.1%
TOP FLITE FINANCIAL, INC. $185,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $95,000 $175,000 84.2% 0.1%
Charles Schwab Bank, SSB $175,000 n/a 0.1%
Cornerstone First Mortgage, Inc $175,000 n/a 0.1%
Ixonia Bank $175,000 n/a 0.1%
PREMIER LENDING, INC. $170,000 n/a 0.1%
DELTA COMMUNITY CREDIT UNION $165,000 n/a 0.1%
DOMINION FINANCIAL SERVICES, LLC $165,000 n/a 0.1%
MLB RESIDENTIAL LENDING, LLC $165,000 n/a 0.1%
Quontic Bank $165,000 n/a 0.1%
Troy Bank and Trust Company $165,000 n/a 0.1%
EMM LOANS LLC $550,000 $155,000 -71.8% 0.0%
NJ LENDERS CORP. $155,000 n/a 0.0%
LENDINGONE, LLC $150,000 n/a 0.0%
Commercial Banking Company $145,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $145,000 n/a 0.0%
Waterstone Mortgage Corporation $145,000 n/a 0.0%
Heritage South Credit Union $125,000 n/a 0.0%
MEMBER FIRST MORTGAGE, LLC $125,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $970,000 $115,000 -88.1% 0.0%
Metro City Bank $115,000 $115,000 0.0% 0.0%
South State Bank $155,000 $115,000 -25.8% 0.0%
American Airlines Federal Credit Union $105,000 n/a 0.0%
Capital City Home Loans, LLC $225,000 $105,000 -53.3% 0.0%
DEEPHAVEN MORTGAGE LLC $185,000 $105,000 -43.2% 0.0%
FOUNDERS FEDERAL CREDIT UNION $105,000 n/a 0.0%
Bethpage Federal Credit Union $95,000 n/a 0.0%
CIS Financial Services, Inc. $95,000 n/a 0.0%
Citizens Bank $1,160,000 $95,000 -91.8% 0.0%
Directions Credit Union, Inc. $95,000 n/a 0.0%
APCO EMPLOYEES $155,000 $90,000 -41.9% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $85,000 n/a 0.0%
Northpointe Bank $85,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $85,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $125,000 $75,000 -40.0% 0.0%
VAN DYK MORTGAGE CORPORATION $75,000 n/a 0.0%
ALL IN $1,630,000 $70,000 -95.7% 0.0%
EASTMAN $65,000 n/a 0.0%
Fifth Third Bank $65,000 n/a 0.0%
MAX Credit Union $65,000 $55,000 -15.4% 0.0%
The Huntington National Bank $55,000 n/a 0.0%
BancorpSouth $1,460,000 $45,000 -96.9% 0.0%
LONGBRIDGE FINANCIAL, LLC $35,000 n/a 0.0%

ANNISTON - OXFORD's top lender by overall market share is Ameris Bank, with 8.0% market share. In second place, with 7.5%, is QUICKEN LOANS, LLC, having originated $23,595,000 in loans. In third place, with 7.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $21,885,000 in loans. In fourth place, with 4.2%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $13,210,000 in loans. In fifth place, with 3.7%, is Community Bank of Mississippi, having originated $11,720,000 in loans.

ANNISTON-OXFORD, AL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,148 $215,420,000 $187,648
Cash Out Refi 250 $37,510,000 $150,040
Refi 235 $40,635,000 $172,915
Other 153 $10,845,000 $70,882
Home Improvement 124 $9,570,000 $77,177

Anniston - Oxford's most frequently cited loan purpose was Home Purchase, with 1,148 originations. The 2nd most popular reason was Cash Out Refi, with 250 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 782 $141,880,000 $181,432
7-8% 342 $64,280,000 $187,953
Over 8% 313 $27,015,000 $86,310
5-6% 311 $56,135,000 $180,498
4-5% 33 $4,175,000 $126,515
3-4% 5 $775,000 $155,000
<2.5% 3 $185,000 $61,667
2.5-3% 2 $280,000 $140,000

During 2024, Anniston - Oxford's most frequently originated rate bucket was 6-7%, with 782 originations.

Loan Sizing (ANNISTON-OXFORD, AL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 762 $113,600,000 $149,081
$100,000 or less 610 $33,950,000 $55,656
$200k-400k 483 $125,955,000 $260,776
$400k-600k 44 $20,010,000 $454,773
$600k-1000k 8 $5,810,000 $726,250
$Over $1MM 3 $14,655,000 $4,885,000

ANNISTON - OXFORD's loan sizing saw the bucket of loans from $100k-200k with 762 originations, totaling $113,600,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 934 $180,340,000 $193,084
60-80% 276 $58,400,000 $211,594
20-40% 190 $14,270,000 $75,105
Under 20% 177 $5,635,000 $31,836
40-60% 127 $16,345,000 $128,701
Over 100% 55 $13,465,000 $244,818

ANNISTON - OXFORD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 934 originations, totaling $180,340,000 in origination value.